Different lending institutions can apply for different enterprise loan quotas. Generally, they apply for enterprise credit loans, and the maximum loan amount is about 500,000 yuan.
If it is a corporate mortgage loan, the maximum loan amount is about 2 million yuan.
Lending institutions will review the application materials submitted by loan enterprises, thus giving corresponding loan quotas.
How much can an enterprise borrow to buy a house without interest?
Different lending institutions and applicants handle different types of corporate loans, and the amount of loans they can get is also different. Generally speaking, a borrowing enterprise can borrow about 500,000 yuan for credit loans. If the loan enterprise applies for a mortgage loan, it can borrow about 3 million yuan. The specific amount shall be determined by the lending institution according to the credit standing of the borrowing enterprise.
What is the company's maximum credit loan?
The company has been operating for 1 many years, and the maximum amount in enterprise credit loans is 5 million yuan. The amount of loans mainly depends on the operating conditions and income of enterprises. The operating loan amount is very high, with a maximum amount of 6,543,800 yuan.
Some commercial banks and lending institutions can even borrow 30 million yuan, but not every enterprise can borrow such a high amount. The amount of operating loans is generally the responsibility of the branches of commercial banks.
Generally speaking, the branches of commercial banks are based on the local credit market, the personal loan business development strategy and risk control ability of the branches.
Calculate the loan amount according to the production scale, profitability, cash flow and asset status of the entity.
I. Application conditions
It conforms to the national industry and industrial policies and does not belong to small enterprises with high pollution and high energy consumption;
The enterprise has a good reputation in various commercial banks and has no bad credit record;
Having a business license approved and registered by the administrative department for industry and commerce, and having passed the annual inspection;
It has the necessary organizational structure, business management system and financial management system, a fixed foundation and business premises, legal operation, and products with market and benefits;
Having the ability to perform contracts and repay debts, having a good willingness to repay, and having no bad credit record, and the credit asset risk is classified as normal or non-financial factors;
The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;
The business operation of the enterprise is steady, the establishment period is in principle more than 2 years (inclusive), and there is at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years;
Abide by the industrial credit policies related to small businesses;
Abide by national financial regulations and policies and relevant bank regulations;
Open a basic settlement account or a general settlement account with the applicant bank.
Second, the application materials
Basic information of the company
1. Business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.
2. Annual reports for the last three years, financial statements for the last three months, and company bills for the last six months.
3. Business premises lease contract and proof of rent payment, and water and electricity charges for the past three months.
4, nearly six months of tax bills, signed the purchase and sale contract (if any)
5. Proof of assets under the enterprise name
personal data
1, ID card of borrower and spouse
2. Identity cards of property owners and spouses
3. Household registration books of the borrower and the property owner.
4. Marriage certificate between the borrower and the property owner
5. Proof of personal assets, such as real estate, cars, stocks and bonds.
6. Personal bank flow in the past six months or a year.
Three, personal loans need to meet the basic conditions are as follows:
1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate;
2. Have a stable legal income and proof, and have the ability to repay interest;
3. When the loan business needs a down payment, it has the ability to pay the full down payment;
4. If the personal loan amount is large, the collateral conditions required by the bank shall be met;
5, such as credit loans, need to have a good reputation;
6. Other conditions meeting the requirements of the bank.
How much can a limited company borrow?
The maximum corporate credit loan is 3 million, provided that your company account and personal account have an annual turnover of 8 million. This company has been operating for more than two years and has a good credit record. The loan period is two years, and the monthly repayment of principal and interest is faster. Generally, the loan is released within 20 days, and your property is not used as collateral. Providing information is basically a whole set of processes of the company.
The credit line in enterprise credit loans needs bank rating, which is generally around100000, with a maximum of 300000. The credit line of each bank is different. For example, the maximum amount of a single loan of a postal savings bank enterprise does not exceed 5 million yuan.
At present, there are many factors that determine the credit limit of an enterprise, such as cash flow, credit, value, self-owned funds, corporate integrity and so on. Now many banks attach great importance to this, and sometimes honesty is more important than collateral.
How much can a corporate loan generally lend?
The company has been operating for 1 many years, with a maximum of 5 million yuan in enterprise credit loans. As for the amount of loans, it mainly depends on the operating conditions and income of enterprises. The operating loan amount is very high, with a maximum amount of 6,543,800 yuan. Some commercial banks and lending institutions can even borrow 30 million yuan, but not every enterprise can borrow such a high amount. The amount of operating loans is generally the responsibility of the branches of commercial banks. Generally speaking, the branches of commercial banks are based on the local credit market, the personal loan business development strategy and risk control ability of the branches. Calculate the loan amount according to the production scale, profitability, cash flow and asset status of the entity.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.
The content of the review omits the loan examiners of the bank, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.
In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk.
Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.